Hitch is a white-label specialty lending platform powering Non-QM mortgage products (HELOC, DSCR, HEI) and AI-native origination tools for leading non-bank lenders. We sit between borrowers, lenders, and the systems that move money — Encompass, credit bureaus, AVM vendors, pricing engines, payroll, and banking infrastructure.
We treat configuration as a product: one codebase across all clients, dynamic fields, function-based roles. Backend engineers here own real surface area.
What You'll Do
* Design and build services that power loan origination workflows end-to-end — from soft credit pull through pricing, underwriting automation, disclosure delivery, and offer acceptance.
* Own integrations with critical third-party systems (Encompass LOS, Plaid, Truework, Clear Capital, MeridianLink, OptimalBlue, Documenso, and more). We treat vendor APIs as a first-class engineering concern — retries, idempotency, outage handling, and webhook reconciliation are part of the job.
* Architect multi-tenant, configuration-driven systems. Every feature should generalize across white-label clients without forking code.
* Build and operate background jobs and async pipelines (BullMQ) — webhook processing, credit pulls, document generation, SLA monitoring.
* Set the standard on code quality, testing, and observability. Mentor mid-level engineers and contribute to architecture reviews.
* Partner with PM and AI teams on shipping AI-assisted features that require reliable, auditable data infrastructure underneath.
What You Bring
* 6+ years building production backend systems in TypeScript/Node.js.
* Deep experience with Node.js: async patterns, event loop, performance considerations, runtime behavior.
* Strong relational or document database design — we use MongoDB with Prisma; you should reason confidently about schema design, indexing, and consistency tradeoffs.
* Hands‑on experience with async/queue-based architectures (BullMQ, SQS, Kafka, or equivalent).
* A track record of reliable third‑party integrations: retry strategies, idempotency, vendor outage handling, webhook reconciliation.
* Comfort operating in compliance-sensitive environments (SOC 2, lending regulations, audit trails). You don't need to be a TRID expert on day one — but you ask "what happens if this fails halfway through?"
* Strong written communication for async collaboration across time zones (PRs, design docs, Linear tickets).
Nice to Have
* Experience with tRPC or similar typed API contract patterns.
* Prior work in mortgage, fintech, lending, or another regulated vertical.
* Experience with multi-tenant SaaS or white-label platforms.
* Familiarity with Next.js (we use it for server-side API layers, not UI development in this role).
* Working knowledge of Redis, Zod, BullMQ, Prisma.
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